CEOs in the US are less optimistic about their business spending, a new survey found. Just 36% of CEOs surveyed said they plan to increase business spending in the next 6 months. This is a drop from nearly 40% last quarter and 44% in the second quarter of 2014.

Construction spending in the US, however, is on the rise. The US Census Bureau reported today construction spending increased to $971 billion in October, up 1.1% from the previous month. October's construction spending was also 3.3% above what it was in October 2013.

Consumer spending (and budgeting) may become more complicated as more people turn to ApplePay. Research shows people spend more if they pay with a credit card than with cash or a debit card. ApplePay, the new mobile payment tool, is expected to be used similar to a credit card.